As July 2026 approaches, bank customers should check the Reserve Bank of India's (RBI) holiday calendar before planning branch visits. According to the RBI's official holiday schedule, banks will be closed for 12 days during the month due to regional festivals, commemorative occasions, and regular weekend holidays.
Although these closures will affect physical banking operations in many states, customers can continue using digital banking services such as UPI, NEFT, RTGS, internet banking, mobile banking, ATMs, and debit or credit cards without interruption.
List of Bank Holidays in July 2026. Regional Holidays
- July 6 (Monday) - MHIP Day
Banks closed in Aizawl (Mizoram)
- July 9 (Thursday) – Beh Deinkhlam
Banks closed in Shillong (Meghalaya)
- July 16 (Thursday) – Ratha Yatra / Kang (Rathajatra) / Harela
Banks closed in:
Bhubaneswar (Odisha)
Dehradun (Uttarakhand)
Imphal (Manipur)
- July 17 (Friday)– Death Anniversary of U Tirot Singh
Banks closed in Shillong (Meghalaya)
- July 18 (Saturday)– Drukpa Tshe-zi
Banks closed in Gangtok (Sikkim)
- July 22 (Wednesday) - Kharchi Puja
Banks closed in Agartala (Tripura). Weekend Bank Holidays
Banks across India will also remain closed on regular weekly holidays:
- July 5 (Sunday)
- July 11 (Second Saturday)
- July 12 (Sunday)
- July 19 (Sunday)
- July 25 (Fourth Saturday)
- July 26 (Sunday)
These holidays apply to all scheduled and non-scheduled banks as per RBI guidelines.
Will online banking services be available?
Yes. Bank branches are closed on these dates, but digital banking will continue to work normally.
Customers can continue using:
- UPI services
- Internet Banking
- Mobile Banking Apps
- NEFT and RTGS (online)
- IMPS
- ATM cash withdrawals
- Debit and Credit Cards
- Online bill payments and fund transfers
Most online transactions are completed in minutes, and customers can carry out banking activities even on holidays. But services requiring a bank branch, such as document verification, cheque clearance, demand drafts, and account-related requests, may only be available on working days.
RBI's three categories of bank holidays
The Reserve Bank of India classifies bank holidays into three categories:
1. Holidays under the Negotiable Instruments Act. They affect cheque clearing, cash transactions, and branch-based banking services at the national or state level.
2. RTGS Holidays. These are the days when RTGS transactions initiated through bank branches are not processed. But online RTGS services are still available via digital banking platforms.
3. Bank closing of accounts. It is observed mainly on April 1 and is the holiday for annual account closing by banks.
Plan Your Banking in Advance
With 12 bank holidays scheduled in July 2026, customers are encouraged to complete important branch-related work well in advance, especially during weeks with consecutive holidays. Although India’s robust digital banking infrastructure allows seamless online transactions throughout the financial process, physical branch visits for cheque deposits, KYC updates, or document submissions need to be made in conjunction with the holiday calendar so that you won’t get stuck.
